Study On The Current Situation And Development Of Agricult Ural Insurance In Tongliao Area

The farmers and herdsmen in tongliao region account for 60%of the population of the whole city,and it is a traditional agricultural city in Inner Mongolia.As an important agricultural production area in the autonomous region,agricultural insurance is a necessary means to avoid uncertain risks in agricultural production,and plays an escort role in maintaining stable and increasing agricultural production.The regional agricultural insurance has been developing for a long time,but the agricultural insurance products and services and the innovation of insurance species are slow in pace,so it is impossible to realize accurate underwriting and claims by scientific and technological means,and it is impossible to truly improve farmers’agricultural insurance experience.With the profound changes in the employment structure of rural labor force,the source of rural income and the composition of rural population,the new agricultural business entities spring up like bamboo shoots after a spring rain.As the new product of The Times,adapt to the current rural economic development and at the same time,in the promotion of agricultural modernization process also has the urgent need,the need to promote the effective supply of social each industry chain,such as market information acquisition and the support of the social service system,the pursuit of the development of the benefit coupling mechanism at the same time,the agricultural insurance as the main body of agricultural management,demand for farmers to have the very strong adaptability,innovative agricultural insurance coverage also arises at the historic moment.In this paper,according to the theoretical basis of "agricultural insurance-empirical data analysis-ginseng protect farmers intend to analysis-the innovation of the agricultural insurance and prospect",using the method of empirical analysis combined with statistical analysis,systematically studied the development status and trend of agricultural insurance in Tongliao area,the steady development of the mining in representation under the deep reason of restricting its development,such as insufficient effective demand farmers,agricultural insurance business is difficult,and operating factors affect more than wait for a reason,put forward innovative agricultural insurance development path.Through the questionnaire survey found that the problem,analyzing problem,the farmer participation in agricultural insurance will Tongliao region and explore new type of agricultural management main body and the similarities and differences between traditional farmers in agricultural insurance demand points,validation in agricultural production under the influence of mechanization and information management,development of agricultural insurance to pass vast areas of agricultural production and farmers’ life.Under the background of accelerating the stratification and differentiation of farmers and the inability to integrate the production,marketing and sale of traditional agricultural production,the paper draws on the advanced experience of agricultural insurance development in other provinces to verify the necessity of establishing a diversified agricultural insurance product system.At last on how to perfect the current agricultural insurance system,with farmers and the market demand,diversified demands for farmers to provide more protection as the research target,put forward the effective integration of policy and commercial insurance pattern,the innovative agricultural insurance as an effective way to perfect Tongliao regional agricultural insurance,encourage the development of new type of agricultural management main body to drive small farmers to explore,the peasant household production risk in the broader capital markets get scattered,implement effective on risk.